Natural hazards · Forman

Forman, ND natural hazards

Most of the natural-hazard damage FEMA expects in Forman comes from cold waves, and overall the risk is moderate for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Forman?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Forman to be higher than in 40% of U.S. communities, mostly from cold waves and hail.

Cold waves36%Hail20%Strong wind18%Inland flooding12%Everything else13%

By hazard

What Forman faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Cold waves

36% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 17 times a year in the area

Hail

20% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 4 times a year in the area

Strong wind

18% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

12% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Forman flood?

FEMA's records show no paid flood insurance claims in Forman.

of all homes
are insured

No community discount. Forman isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Sargent County.

Disasters that hit Forman

Federal disasters declared here

None of the disasters declared for Sargent County shows FEMA aid or repair money reaching Forman itself in FEMA’s records.

Brought FEMA money into FormanDeclared for Sargent County only

Sargent County has had 29 natural disasters declared since 1953, most often floods and severe storms.

Around Forman

Forman and the towns around it

Very lowLowModerateHighVery high

Formanmostly cold wavesModerate

Sargentmostly cold wavesModerate

Taylormostly cold wavesModerate

Rutlandmostly cold wavesModerate

Bowenmostly cold wavesLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Forman is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Forman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Forman. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.